<ARTICLE> 5
<LEGEND>
This schedule contains summary financial information extracted
from the Company's Consolidated Balance Sheet at June 30, 1995
and Consolidated Statement of Income for the six months ended
June 30, 1995 and is qualified in its entirety by reference to
such financial statements.
</LEGEND>
<MULTIPLIER>   1,000,000
       
                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1995
<PERIOD-END>                               JUN-30-1995
<CASH>                                           4,754
<SECURITIES>                                    42,880
<RECEIVABLES>                                   18,269
<ALLOWANCES>                                       787
<INVENTORY>                                          0
<CURRENT-ASSETS>                                     0
<PP&E>                                           3,548
<DEPRECIATION>                                   1,705
<TOTAL-ASSETS>                                 104,178
<CURRENT-LIABILITIES>                                0
<BONDS>                                         22,692
<COMMON>                                           292
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                        200
<OTHER-SE>                                       6,662
<TOTAL-LIABILITY-AND-EQUITY>                   104,178
<SALES>                                              0
<TOTAL-REVENUES>                                 7,738
<CGS>                                                0
<TOTAL-COSTS>                                    3,596
<OTHER-EXPENSES>                                   749
<LOSS-PROVISION>                                 1,701
<INTEREST-EXPENSE>                                 622
<INCOME-PRETAX>                                  1,070
<INCOME-TAX>                                       307
<INCOME-CONTINUING>                                763
<DISCONTINUED>                                       0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       763
<EPS-PRIMARY>                                     1.51
<EPS-DILUTED>                                        0